Product Details
Bank Name
Jana Small Finance Bank
Account Name
Jana Regular Saving Account
Account Type
Saving
Interest Rate
Upto 1 Lakh: 2.5%. Between 1 and 5 Lakh: 5%. Above 5 Lakhs and upto 10 Lakh: 6.5%.Above 10 Lakhs and upto 10 Crore: 7.5%.
Free Debit Card
No.
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Account Opening Fees
0
Annual Maintenance Fees
0
Minimum Account Balance
INR 2,000
Debit Card Charges
Rupay Platinum. Joining Fee - INR 0. Annual fee - INR 199
NEFT Charges
Free if done online.
IMPS Charges
Free.
Fees and Charges
Jana Regular Saving Account
Special Features
High interest rate.
Eligibility Criteria
Indian residents abovIndian resident.
Age should be a minimum of 18
Minum balance of INR 2,000.
Benefits
Features, Eligibility and Benefits
Pros & Cons
Pros
High interest rate.
Free NEFT and IMPS if done online.
Low minimum balance requirement.
Cons
Few value-add features.
Jana has limited branch and ATM network.
Jana Regular Saving Account
The account offers limited value add features. The account has high interest rate.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Account Opening and Procedure
How to open an Account?
To open a Jana Regular Savings Account, you can follow these general steps:
1. Visit a Jana Small Finance Bank Branch:
Locate the nearest branch to your residence.
Request an account opening form for the Regular Savings Account.
2. Fill Out the Application Form:
Provide accurate information in the application form, including your personal details, contact information, and occupation.
3. Submit Required Documents:* Note: The specific requirements may vary slightly. You might need to provide: * Proof of Identity (Optional): While not always mandatory, it's recommended to provide any available identification, such as Aadhaar Card, Voter ID, Driving License, or Passport. * Proof of Address (Optional): Similarly, provide any available proof of address, such as Aadhaar Card, Voter ID, Driving License, Passport, or utility bills.
4. Account Opening Procedure:
The bank representative will guide you through the account opening process.
You may need to provide your signature and other necessary details.